01-15-2013, 12:49 AM
Workers comp for me has turned out quite well so far. I tripped outside leaving work, injuring my knee. I went to my doctor right away, and called work that I couldn't come in. My boss said that since I was still in the parking lot and tripped over part of the building that it was considered workers comp. Turns out I should have gone to an authorized med center, but since I didn't even know it was a workers comp injury, the company said they'd work with my primary anyway.
My time off from work was covered by workers comp, I did not have to use my sick days. HR said that WC covers about 85-90% of the wages, but since figuring out the differences is too tedious, the company makes up the difference (it actually saves the company money to do it this way). So far the MRI and DR visits have been covered in full, I still have an operation to go through. Plus there are no deductibles for me to have to cover.
Maybe its company policy, maybe it's Michigan law, but workers comp for me has worked out great up to this point. My boss and another co-worker have said that workers comp worked out for them as well, better than using regular insurance.
The biggest downside is that it takes a lot longer to get things done. I didn't get a claim number for two weeks after the accident, only then did the orthopedic specialist let me make an appointment. Two months after the injury, I will finally get the injury repaired.
My time off from work was covered by workers comp, I did not have to use my sick days. HR said that WC covers about 85-90% of the wages, but since figuring out the differences is too tedious, the company makes up the difference (it actually saves the company money to do it this way). So far the MRI and DR visits have been covered in full, I still have an operation to go through. Plus there are no deductibles for me to have to cover.
Maybe its company policy, maybe it's Michigan law, but workers comp for me has worked out great up to this point. My boss and another co-worker have said that workers comp worked out for them as well, better than using regular insurance.
The biggest downside is that it takes a lot longer to get things done. I didn't get a claim number for two weeks after the accident, only then did the orthopedic specialist let me make an appointment. Two months after the injury, I will finally get the injury repaired.